WhiteBIT Card [EU]
- Fantastic Crypto to Fiat Exchange rates
- WhiteBIT is a well-known exchange
- Virtual-only card, so no ATM withdrawals
- Poor customer service
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 2.30 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~0.28% |
| Cashback | None |
| Daily Spending Limit | 2,750 EUR |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBosnia-HerzegovinaBulgariaCroatiaCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandItalyLatviaLithuaniaMacedoniaMoldovaMontenegroNetherlandsNorwayPolandPortugalRomaniaSan MarinoSerbiaSlovakiaSloveniaSwedenUnited Kingdom |
| Supported Cryptocurrencies | 1INCHAAVEACHADAADKADXAGLDAGRSAKITAAKROALGOALICEALPACAAMBAMP |
Your WhiteBIT Card: virtual-only, offering low-fee crypto to fiat conversions.
WhiteBIT Card Benefits and Rewards – for Europe
WhiteBIT does not offer any cashback rewards or any additional benefits for using the card yet but is planning to offer them later on.
WhiteBIT Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
WhiteBIT Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use.
It should be noted that WhiteBIT doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It's Issued Solely in Virtual Form, Lacking a Physical Version
WhiteBIT Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Useful:Since WhiteBIT Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
Crypto-to-EUR Conversion Cost with WhiteBIT Card
WhiteBIT Card Requires Pre-Load
Before you can use your WhiteBIT Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0.1% |
| Sell Spread | ~0.18% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~0.28% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with WhiteBIT Card is much more cost-effective (~0.28%). This means that you will get more EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does WhiteBIT Card Compare to Other Crypto Cards?
WhiteBIT Card ranks #33 out of 63 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared WhiteBIT Card with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of WhiteBIT Card against its 42 competitors:
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Supports 271 cryptocurrencies (while other cards support an average of 15).
- Solid company with a 7.7/10 brand authority score (the average for all competing cards is 6/10).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.28% (versus an average of ~1.8% with other cards.)
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of WhiteBIT Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 2,750 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Their customer service is poor with a 5.9/10 score (competitors score 7.2/10 on average).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
WhiteBIT Card [EU] vs. SpectroCoin Card vs. Nexo Card
WhiteBIT Card
|
SpectroCoin Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 2.30 EUR | 1.15 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~0.28% | ~1.5% | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 2,750 EUR | 25,000 EUR | 10,000 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | 2,500 EUR | 2,000 EUR |
| Foreign Exchange Fee | 0% | 1% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 271 | 54 | 86 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Average | Average | Great |
| Brand Authority | Well-Known | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. SpectroCoin Card offers the highest daily spending limit of 25,000 EUR. You will get lower daily limits with WhiteBIT Card and Nexo Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Nexo Card offers the best cashback rewards of up to 2%. With WhiteBIT Card and SpectroCoin Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
We Tested WhiteBIT's Customer Support
We asked WhiteBIT's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
WhiteBIT offers support via the following channels:
| Chat | https://whitebit.com/ |
| support@whitebit.com | |
| Web Form | https://help.whitebit.com/hc/en-gb/requests/new |
| Telegram | https://t.me/White_Bit |
Location: WhiteBIT customer service reps are located in 
Ukraine and 
Spain.¹
| Support Channel | Our Interaction | Score |
Email (replied in 15 min) | Quickly answered the question, provided additional reassurance in regards of card security. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Web Form (replied in 17 min) | Didn't answer the question. Provided a link which didn't answer the question as well. | Low Competence Not Personalized Adequate English, Professional Tone 4/10 |
Web Form (replied in 19 min) | Didn't answer the questions asked in regards to contactless ATMs. | Low Competence Not Personalized Adequate English, Professional Tone 4/10 |
Chat (replied in 2 min) | Took a long time to 'lookup' the problem, and still couldn't answer the question. We contacted PayUnicard directly instead, and received the answer immediately. | Low Competence Somewhat Personalized Adequate English, Professional Tone 4.5/10 |
Telegram (replied in 1 min) | Quickly answered a simple question, with friendly tone. They seem to have active always-online Telegram admins. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
To summarize,
Competence and Problem-Solving: WhiteBIT's customer service lacks in competence, often providing unhelpful responses, which is a red flag.
Customer Love: You will not get addressed by name and answers to your questions will be generic. WhiteBIT's customer support agents do not make an effort to personalize their replies.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 11 minutes, significantly saving your time.
Overall Customer Service Rating: 5.9/10
With this score, WhiteBIT's Customer Service is poor, comparing to other crypto cards, which score an average of 7.2/10.
Is WhiteBIT Card Available for Residents of United States?
No, WhiteBIT Card is not available for residents of United States.
WhiteBIT Card [EU] supports the following countries: Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Macedonia, Moldova, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Sweden, United Kingdom.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
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